69% e shqiptar\u00ebve n\u00eb mosh\u00eb madhore zot\u00ebrojn\u00eb tashm\u00eb nj\u00eb llogari bankare. Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha sot n\u00eb hapjen e mbledhjes s\u00eb n\u00ebnt\u00eb t\u00eb Komitetit Komb\u00ebtar t\u00eb Sistemit t\u00eb Pagesave se p\u00ebrfshirja financiare e shqiptar\u00ebve po p\u00ebrmir\u00ebsohet ndjesh\u00ebm dhe rritja e numrit t\u00eb individ\u00ebve q\u00eb zot\u00ebrojn\u00eb nj\u00eb llogari bankare \u00ebsht\u00eb nj\u00eb prej treguesve m\u00eb dometh\u00ebn\u00ebs.<\/p>\n
\u201cFal\u00eb t\u00eb dh\u00ebnave nga Regjistri Komb\u00ebtar i Llogarive, Banka e Shqip\u00ebris\u00eb disponon nj\u00eb pamje m\u00eb t\u00eb sakt\u00eb dhe leht\u00ebsisht t\u00eb p\u00ebrdit\u00ebsueshme mbi p\u00ebrfshirjen financiare t\u00eb popullsis\u00eb. K\u00ebto t\u00eb dh\u00ebna diktojn\u00eb se shqiptar\u00ebt kan\u00eb nj\u00eb nivel relativisht t\u00eb k\u00ebnaqsh\u00ebm t\u00eb p\u00ebrfshirjes financiare, ku pothuajse 69% e popullsis\u00eb zot\u00ebron nj\u00eb llogari. Objektivi yn\u00eb fillimisht ishte arritja e nj\u00eb niveli t\u00eb p\u00ebrfshirjes financiare t\u00eb popullsis\u00eb n\u00eb mas\u00ebn 70%, por vler\u00ebsojm\u00eb se n\u00eb periudh\u00ebn afatshkurt\u00ebr ky nivel do t\u00eb tejkalohet, duke sh\u00ebnuar p\u00ebrafrim t\u00eb ndjesh\u00ebm me vendet e Ballkanit dhe ato t\u00eb Bashkimit Evropian<\/em>,\u201d tha Sejko.<\/p>\n Sipas tij, ky optimiz\u00ebm bazohet n\u00eb faktin se shum\u00eb prej objektivave t\u00eb strategjis\u00eb komb\u00ebtare t\u00eb pagesave me vler\u00eb t\u00eb vog\u00ebl jan\u00eb ende duke u materializuar n\u00eb treg dhe efektet e tyre t\u00eb pritura do t\u00eb reflektohen n\u00eb tregues t\u00eb matsh\u00ebm n\u00eb vitin 2023 dhe n\u00eb vijim.<\/p>\n Guvernatori tha se arritjet e deritanishme n\u00eb terma t\u00eb p\u00ebrfshirjes financiare dhe t\u00eb p\u00ebrdorimit t\u00eb pagesave elektronike jan\u00eb deri diku reagim ndaj mesazheve t\u00eb Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, nd\u00ebrkoh\u00eb q\u00eb efektet reale dhe dometh\u00ebn\u00ebse t\u00eb strategjis\u00eb do t\u00eb paraqiten t\u00eb plota n\u00eb periudh\u00ebn afatshkurt\u00ebr e afatmesme. M\u00eb konkretisht, ai n\u00ebnvizoi se ligji \u201cP\u00ebr sh\u00ebrbimet e pagesave\u201d v\u00ebrtet p\u00ebrb\u00ebn shtyll\u00ebn kryesore t\u00eb nxitjes s\u00eb inovacionit dhe t\u00eb konkurrenc\u00ebs.<\/p>\n \u201cKjo gj\u00eb mund t\u00eb vihet re edhe n\u00eb interesin e shtuar t\u00eb subjekteve q\u00eb k\u00ebrkojn\u00eb t\u00eb hyn\u00eb n\u00eb k\u00ebt\u00eb segment t\u00eb tregut, por materializimi i plot\u00eb i tij do t\u00eb ndodh\u00eb me operacionalizimin e open-banking. N\u00eb k\u00ebt\u00eb drejtim, e vler\u00ebsoj t\u00eb nevojshme t\u00eb theksoj se angazhimi i bankave dhe jobankave duhet t\u00eb jet\u00eb maksimal, n\u00eb m\u00ebnyr\u00eb q\u00eb k\u00ebto infrastruktura dhe sh\u00ebrbimet p\u00ebrkat\u00ebse t\u00eb realizohen brenda afateve t\u00eb p\u00ebrcaktuara nga Banka e Shqip\u00ebris\u00eb, gjithmon\u00eb duke ofruar siguri maksimale.<\/em><\/p>\n Siguria n\u00eb komunikim dhe n\u00eb nd\u00ebrveprim \u00ebsht\u00eb jo vet\u00ebm e nevojshme, por edhe e domosdoshme, n\u00eb kushtet e komunikimit t\u00eb hapur q\u00eb imponon open-banking, si dhe n\u00eb kuad\u00ebr t\u00eb rreziqeve t\u00eb shtuara n\u00eb sfer\u00ebn e siguris\u00eb kibernetike, me t\u00eb cilat po p\u00ebrballemi s\u00eb fundmi. Kjo ka qen\u00eb edhe arsyeja kryesore p\u00ebr t\u00eb cil\u00ebn Banka e Shqip\u00ebris\u00eb ka qen\u00eb e kujdesshme si n\u00eb vendosjen e standardeve t\u00eb rregullimit t\u00eb mir\u00ebp\u00ebrcaktuara dhe gjer\u00ebsisht t\u00eb provuara nga vendet e Bashkimit Evropian, ashtu edhe n\u00eb krijimin e hap\u00ebsirave t\u00eb nevojshme kohore q\u00eb do t\u00eb mund\u00ebsonin nj\u00eb zbatim sa m\u00eb efikas dhe t\u00eb sigurt p\u00ebr t\u00eb gjith\u00eb aktor\u00ebt e tregut,\u201d<\/em> tha Sejko.<\/p>\n Banka e Shqip\u00ebris\u00eb vler\u00ebson se deri tani objektivat e strategjis\u00eb komb\u00ebtare t\u00eb pagesave me vler\u00eb t\u00eb vog\u00ebl 2018-2023 jan\u00eb arritur dhe n\u00eb disa raste jan\u00eb tejkaluar. Konkretisht, n\u00eb vitin 2021 \u00ebsht\u00eb arritur nj\u00eb nivel i p\u00ebrdorimit t\u00eb pagesave elektronike prej 12.5 pagesash p\u00ebr frym\u00eb, duke tejkaluar edhe objektivin e synuar t\u00eb Strategjis\u00eb prej 10 pagesash deri n\u00eb fund t\u00eb vitit 2023, nd\u00ebrkoh\u00eb q\u00eb, n\u00eb vitin 2022, vler\u00ebsohet se kjo shif\u00ebr do t\u00eb arrij nivelin 16 pagesa p\u00ebr frym\u00eb.<\/p>\n Sipas Guvernatorit, pagesat me kart\u00eb dhe ato homebanking gjithnj\u00eb e m\u00eb shum\u00eb po b\u00ebhen pjes\u00eb e p\u00ebrditshm\u00ebris\u00eb s\u00eb shqiptar\u00ebve, nd\u00ebrkoh\u00eb q\u00eb dhe nga pik\u00ebpamja e p\u00ebrfshirjes financiare zhvillimet duken mjaft inkurajuese. Volumet e pagesave me kart\u00eb jan\u00eb rritur ndjesh\u00ebm, sidomos gjat\u00eb pes\u00ebvje\u00e7arit t\u00eb fundit (2018-2022), duke sh\u00ebnuar nj\u00eb trend mesatar rrit\u00ebs prej rreth 40% n\u00eb vit; si dhe \u00ebsht\u00eb sh\u00ebnuar nj\u00eb rritjen e konsiderueshme me 78% e numrit t\u00eb terminaleve POS gjat\u00eb s\u00eb nj\u00ebjt\u00ebs periudhe.<\/p>\n K\u00ebta tregues jan\u00eb d\u00ebshmi e rritjes s\u00eb p\u00ebrdorimit t\u00eb instrumenteve elektronike nga konsumator\u00ebt, gj\u00eb q\u00eb ndikon pozitivisht edhe n\u00eb formalizimin e ekonomis\u00eb. Gjithashtu, nga t\u00eb dh\u00ebnat e disponuara sa i takon volumit t\u00eb transaksioneve homebanking p\u00ebr k\u00ebt\u00eb 9-mujor, rezulton se \u00ebsht\u00eb sh\u00ebnuar nj\u00eb rritje prej 22%, krahasuar me t\u00eb nj\u00ebjt\u00ebn periudh\u00eb t\u00eb nj\u00eb viti m\u00eb par\u00eb, duke vijuar trendin rrit\u00ebs t\u00eb shfaqur nd\u00ebr vite.\/MONITOR<\/p>","protected":false},"excerpt":{"rendered":" 69% e shqiptar\u00ebve n\u00eb mosh\u00eb madhore zot\u00ebrojn\u00eb tashm\u00eb nj\u00eb llogari bankare. Guvernatori i Bank\u00ebs s\u00eb Shqip\u00ebris\u00eb, Gent Sejko, tha sot n\u00eb hapjen e mbledhjes s\u00eb n\u00ebnt\u00eb t\u00eb Komitetit Komb\u00ebtar t\u00eb Sistemit t\u00eb Pagesave se p\u00ebrfshirja financiare e shqiptar\u00ebve po p\u00ebrmir\u00ebsohet ndjesh\u00ebm dhe rritja e numrit t\u00eb individ\u00ebve q\u00eb zot\u00ebrojn\u00eb nj\u00eb llogari bankare \u00ebsht\u00eb nj\u00eb prej […]<\/p>\n","protected":false},"author":2037,"featured_media":297089,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241,1584,231,235],"tags":[],"class_list":{"0":"post-298055","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-aktualitet","8":"category-ekonomi","9":"category-lajme","10":"category-vendi"},"_links":{"self":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/298055","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/users\/2037"}],"replies":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/comments?post=298055"}],"version-history":[{"count":0,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/posts\/298055\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media\/297089"}],"wp:attachment":[{"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/media?parent=298055"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/categories?post=298055"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/zjarr.tv\/en\/wp-json\/wp\/v2\/tags?post=298055"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}